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Start with education and a review of your Medicare situation. We can help you understand enrollment timing, Original Medicare, Medicare Advantage, Medigap, Part D, and the tradeoffs that matter to you.
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Understand your Medicare options, compare plans, and get help reviewing doctors, prescriptions, hospitals, and costs before you enroll. We start with education and continue with ongoing annual reviews.
Medicare involves timing, costs, provider access, prescriptions, and coverage tradeoffs. Our job is to make those moving parts easier to understand so you can make a decision with context, not pressure.
“Medicare isn't just paperwork. It's a major life decision. I started this family-owned company to provide straightforward Medicare education and enrollment support, helping people understand their choices and avoid unnecessary mistakes.”
Matt Maresch, Senior Healthcare PlanningBefore comparing private plan options, start with the costs built into Original Medicare.
Select the path that best describes where you are today. The goal is the same: get you to the right next step without making Medicare harder than it needs to be.
Start with education and a review of your Medicare situation. We can help you understand enrollment timing, Original Medicare, Medicare Advantage, Medigap, Part D, and the tradeoffs that matter to you.
Request Medicare Guidance →Medicare does not stop changing after enrollment. We stay available for plan reviews, Annual Enrollment Period questions, coverage changes, and life events that may affect your Medicare strategy.
Email Matt for Client Support →
Whether you are approaching 65, delaying Medicare because you are still working, already enrolled, or reviewing coverage for the coming year, the right answer depends on your specific situation.
Tell Us Where You Are Today →Original Medicare provides the foundation. Private Medicare insurance can help provide drug coverage, reduce certain out-of-pocket costs, or deliver Medicare benefits through a private plan.
Part A helps cover inpatient hospital care. Part B helps cover doctors, outpatient services, preventive care, and other medically necessary services.
Federal Medicare Learn about Part A →Medicare Advantage is offered by private Medicare-approved insurers and provides your Part A and Part B benefits through the plan. Most plans include Part D drug coverage.
Private Medicare plan Explore Medicare Advantage →Medigap works with Original Medicare and can help pay certain deductibles, copayments, and coinsurance left behind by Parts A and B.
Works with Original Medicare Compare Plan G vs. Plan N →Medicare Part D helps pay for covered prescription drugs through a stand-alone drug plan or through many Medicare Advantage plans.
Prescription coverage Learn about Part D enrollment →Many beneficiaries ultimately compare these two broad approaches. Neither is automatically right for everyone.
Keep Original Medicare as your primary coverage, add a Medicare Supplement to help with certain cost-sharing, and usually add a separate Part D drug plan.
Receive your Medicare Part A and Part B benefits through a private Medicare Advantage plan, often with Part D coverage and additional benefits included.
We begin by helping you understand how Medicare works and how the different pieces fit together. We walk through Original Medicare, Parts A and B, Medicare Advantage, Medicare Supplement insurance, and Part D prescription drug coverage, including how formularies, drug tiers, and plan rules can affect your costs.
We also explain dental, vision, and hearing coverage, along with other products that may help fill gaps in your healthcare plan. Depending on your needs, that may include short-term in-home healthcare coverage, hospital indemnity insurance, or coverage designed to provide additional financial support following a cancer diagnosis, heart attack, or stroke.
Once you understand the landscape, we move into the planning stage. That is when we review your doctors, hospitals, prescription drugs, current coverage, and other personal details so we can begin evaluating the Medicare plan options that fit your situation.
We collect information about your doctors, hospitals, prescription drugs, current coverage, and other important details, then discuss your unique situation and priorities. Start your secure Medicare profile.
We review the information gathered during discovery and develop a Medicare claiming and coverage strategy tailored to your circumstances.
Once you are comfortable with the strategy, we help coordinate the appropriate enrollment steps and timing.
Medicare plans, costs, formularies, provider networks, and personal circumstances can change. We conduct annual reviews to help determine whether your current coverage still fits.
Understand Parts A, B, C, and D without getting buried in terminology.
Compare two very different approaches to Medicare coverage and out-of-pocket costs.
Review provider access before enrolling in coverage where network rules apply.
Review formularies, pharmacy networks, and estimated prescription costs.
Revisit coverage as plan costs, networks, formularies, and benefits change.
Get a team you can contact when Medicare questions or life changes come up.
Carrier availability varies by state, county, plan type, and enrollment period. We work with multiple insurance companies rather than presenting Medicare as a one-carrier decision.
Each edition is designed to be a quick, useful read you can actually apply to Medicare and retirement decisions.
For many people, the Initial Enrollment Period is a seven-month window that begins three months before the month you turn 65, includes your birthday month, and ends three months after. Different rules can apply if you have qualifying coverage through current employment.
Medicare Advantage is an alternative way to receive your Medicare Part A and Part B benefits through a private Medicare-approved plan. Medigap works alongside Original Medicare and helps pay certain deductibles, coinsurance, and copayments. You cannot use a Medigap policy to pay Medicare Advantage plan cost-sharing.
Drug coverage is still worth evaluating even if you take few or no medications. Going 63 consecutive days or more without Part D or other creditable prescription drug coverage after you are eligible can result in a late enrollment penalty if you enroll later.
It depends on how you receive Medicare. With Original Medicare, provider participation and assignment rules matter. With Medicare Advantage, network rules can be important, especially with HMO and PPO plans. Provider access should be checked before enrollment.
In 2026, the standard Medicare Part B premium is $202.90 per month, although higher-income beneficiaries can pay more. Your total monthly cost can also include Part D, Medicare Advantage, Medigap, dental, vision, or other coverage depending on the path you choose.
Medicare does not cover ongoing custodial long-term care when that is the only care you need. It may cover qualifying short-term skilled nursing facility care and certain home health services when Medicare requirements are met.
Insurance companies may compensate licensed agents when an insurance product is enrolled through the agent. Compensation rules vary by product and are regulated. We can explain how compensation works before you make an enrollment decision.
Tell us where you are in the Medicare process. We will help you identify the next step and understand the coverage decisions in front of you.
Get 1:1 Medicare Enrollment HelpSenior Healthcare Planning is an independent insurance agency that provides education, guidance, and enrollment assistance for Medicare-related insurance products, including Medicare Advantage, Medicare Supplement, and Prescription Drug Plans. Senior Healthcare Planning is not connected with or endorsed by the United States government or the federal Medicare program. Medicare has neither reviewed nor endorsed this information. This website is for informational purposes and does not constitute an offer to sell insurance. Enrollment may be limited to certain times of the year, and not all plans are available in all areas. Contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program for information about all available options.
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